You can address the subsidy in two ways: by providing upfront capital grants and by reducing the amount of mortgage [Technical difficulty—Editor] that projects have to carry. That has the same effect as giving them a bigger mortgage. You gave them payments to help pay their mortgage, which is the way we used to do things. It's a wash, in terms of that approach.
I think it makes more sense, from a policy point of view, to separately support supply. For households that can't afford that supply, provide them with a housing allowance. Within the national housing strategy, the Canada housing benefit was designed to do exactly that—provide subsidy to households for whom the rents were too high. I think that program is woefully underfunded and should be significantly expanded if we, in fact, want to address the needs of low-income people.